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UBCP

United Bancorp, Inc.

Financial Services · $85M market cap

Verdict

Share price

$14.79

close of Oct 3, 2026

Fair value

$20.24

Sticker Price

Payback Price

$8.09

buy price

Undervalued

UBCP is Undervalued: at $14.79 it trades 27% below its fair value of $20.24. Its buy price (Payback Price) is $8.09, 45% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth8.1% a year✗
Equity per share growth3.2% a year✗
Sales growth2.4% a year✗
Free cash flow growth4.9% a year✗
Return on invested capital3.9%✗

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About United Bancorp, Inc.

United Bancorp, Inc. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works